Research On The Development Of Internet Mutual Insurance

With the increasing demand for insurance security,on the one hand,Serious Disease Insurance for Urban and Rural Residents deficit year after year,on the other hand,the mode of network crowdsourcing and network mutual assistance lacks standardization.On this basis,at the beginning of its birth,the mode of Internet Mutual Insurance quickly absorbed a large number of members.The purpose of this study is to construct the development pattern of Internet mutual insurance,so as to meet the needs of the public for insurance protection and promote the supervision work in place.Internet mutual insurance will take health insurance as a breakthrough point and gradually develop into an effective supplement to basic social security,providing broad coverage,high level of security,standardized and reasonable insurance guarantee for the public.By using literature research,comparative research,SWOT analysis and normative analysis,this paper first clarifies the necessity and realistic basis for the development of Internet mutual insurance,which is based on the development of mutual insurance,Internet insurance,network crowdsourcing and network mutual assistance.Secondly,the practice of Internet mutual insurance has insufficient insurance coverage.exit rate crisis and adverse selection.Risk control,misleading propaganda and inadequate information disclosure,unbalanced cost-benefit,solvency crisis and other issues need to be improved in the later development.Finally,SWOT analysis provides a reference for optimizing the development pattern of Internet mutual insurance.On this basis,we have constructed the development pattern of internet mutual insurance,whose core mechanism includes designing open and transparent mutual insurance plans and operation processes to form a series of relatively perfect systems;building diversified participation platforms to increase user-oriented entrance;utilizing the development trend of comprehensive finance to establish a multi-party cooperative operation mechanism;and improving Internet articles.The development direction of Internet mutual insurance is still health insurance based on serious illness insurance.The development pattern of Internet mutual insurance may face many challenges in practice.In order to further optimize the development pattern of Internet mutual insurance,this paper puts forward some countermeasures and suggestions.For example,improve the credit information system,improve information transparency;pay attention to the content and way of product publicity,avoid short-term "marketing carnival" from the tropics;combined with third-party e-commerce platform users’consumption habits,targeted promotion and publicity.Optimizing the development environment of Internet mutual insurance,such as improving Internet penetration rate and innovating supervision mode.